This part describes the card operation flow from payment initiation / authorization to operation clearing and settlement.

Feature Flow - Sequence diagram

stateDiagram-v2
 state fork_state <<fork>>
  state fork_state2 <<fork>>
    state fork_state3 <<fork>>
      [*] --> fork_state: Authorization request
	  [*] --> Suspended
      fork_state --> Approved: Authorization created
      fork_state --> Rejected: Authorization failed
    Approved --> fork_state3
	fork_state3 --> Canceled 
	fork_state3 --> Completed
	fork_state3 --> Reversed
	Reversed --> fork_state2
	fork_state2 --> Completed
	fork_state2 --> Expired
    fork_state3--> Expired
	Completed --> [*]
	Canceled --> [*]
	Expired --> [*]
	Suspended --> [*]

Card Authorization status

Value	Description
Approved	After an authorization creation
Reversed	After an amount adjustment (partial recovery)
Completed	Authorization Online 2. Authorization Offline
Rejected	Refused during authorisation
Canceled	Total recovery
Expired	After 10 days without clearing (30 days for booking & deposit), 21 days for a withdrawal
Suspended	Card operation on a closed account

Balance diagram

Step	Authorisation balance	Accounting balance
1- Authorisation	x
2-a. Settlement of an existing authorisation		x
2-b. Settlement without authorisation	x	x

Feature Flow - Sequence diagram for an authorisation and its settlement

sequenceDiagram
title: online transaction
autonumber
Actor User
participant TPE
participant BPCE
participant Xpollens SAE
participant Partner
#participant ua as Partner application
rect rgb(240,240, 240)
        Note over User: Transaction
        User ->> TPE: online card op
        TPE ->> BPCE: issuer auth requ.
                BPCE ->> Xpollens SAE: issuer auth requ.
                Xpollens SAE ->> BPCE: Author. validated
                Par User notification in the mobile app
                    Xpollens SAE ->> Partner:  Callback <br/>  CardOperationCreatedOrUpdated
                    Partner ->> User: notification
                and Author validation
                    BPCE ->> TPE: Author. validated
                    TPE ->> User: Transaction succeeded
                end
end

break
    TPE ->> BPCE: telecollecting & Clearing
end
BPCE ->> Xpollens SAE: clearing file
Xpollens SAE ->> Partner:  Callback <br/>  CardOperationCreatedOrUpdated

Feature Flow - Sequence diagram for a settlement without authorisation

sequenceDiagram
title: online transaction
autonumber
Actor User
participant TPE
participant BPCE
participant Xpollens SAE
participant Partner
#participant ua as Partner application
rect rgb(240,240, 240)
        Note over User: Transaction
        User ->> TPE: offline card op

end

break
    TPE ->> BPCE: telecollecting & Clearing
end
BPCE ->> Xpollens SAE: clearing file
Xpollens SAE ->> Partner:  Callback <br/>  CardOperationCreatedOrUpdated